Step 1: Recall the phases of a standard 28 day cycle. Menstrual phase is day 1 to 5, follicular phase day 1 to 13, ovulation around day 14, and luteal phase day 15 to 28.
Step 2: Place day 20. Day 20 is well after ovulation (day 14) and before the next menses, so it lies within day 15 to 28, the luteal phase.
Step 3: Why the others are wrong. The menstrual and follicular phases are over by day 13, and ovulation is a single day around day 14, so none of those include day 20. Hence the luteal phase is correct.